Just like the major cell phone companies offer significant discounts for using a family plan, car insurance agencies play the same game. They will do almost anything to increase their customer base, so consider hopping on a family plan to get an even better rate that's inexpensive. The good news about this is that you don't even have to be related to the people of the family plan - you either have to live at their address, drive one of the cars insured by the family plan, or have your own policy with a matching address. Just remember, you have nothing to lose by trying to get on a family plan if you're not already on one.
What You Can Do: